Call reports 2019
CENTRIC BANK — 2019
What CENTRIC BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 732,901,000 | 785,502,000 | 790,303,000 | 830,689,000 |
| Total loans | 638,866,000 | 664,737,000 | 676,259,000 | 704,830,000 |
| Allowance for loan losses | 7,246,000 | 7,723,000 | 7,917,000 | 8,293,000 |
| Securities available for sale | 20,565,000 | 27,319,000 | 33,084,000 | 29,864,000 |
| Securities held to maturity | 5,988,000 | 5,972,000 | 5,959,000 | 4,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,814,000 | 655,590,000 | 651,112,000 | 683,182,000 |
| Interest-bearing deposits | 591,138,000 | 631,945,000 | 624,959,000 | 655,206,000 |
| Noninterest-bearing deposits | 24,676,000 | 23,645,000 | 26,153,000 | 27,976,000 |
| Equity capital | 84,575,000 | 86,769,000 | 88,675,000 | 90,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,221,000 | 19,258,000 | 29,415,000 | 39,378,000 |
| Interest expense | 2,277,000 | 4,922,000 | 7,864,000 | 10,485,000 |
| Net interest income | 6,944,000 | 14,336,000 | 21,551,000 | 28,893,000 |
| Noninterest income | 790,000 | 1,813,000 | 2,611,000 | 3,500,000 |
| Noninterest expense | 4,800,000 | 10,037,000 | 15,224,000 | 20,266,000 |
| Provision for loan losses | 535,000 | 1,060,000 | 1,585,000 | 2,129,000 |
| Pretax income | 2,399,000 | 5,052,000 | 7,353,000 | 9,998,000 |
| Income tax | 443,000 | 944,000 | 1,384,000 | 1,888,000 |
| Net income | 1,956,000 | 4,108,000 | 5,969,000 | 8,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,158,000 | 86,350,000 | 88,254,000 | 90,426,000 |
| Total capital | 91,569,000 | 94,250,000 | 96,360,000 | 98,901,000 |
| Risk-weighted assets | 654,161,000 | 689,157,000 | 696,654,000 | 725,423,000 |